I have called 20 banks and no one does a 1st lien on investment properties except 1 stated they would if owner occupied.During the research I read a website, which stated that 1st lien HELOCS on non-occupied are illegal and not allowed by Federal Law.Anyone know if this is true?

How does federal tax exemptions or reductin for hurricane damages work?

Attic insulation is one of those things that I am not sure how much practical effect there is, I only add attic insulation whenever the government subsidizes the cost, and after it's done I don't see any cost saving in my utilities bills (student rentals). 

Government Programs and SubsidiesYou might qualify for programs that offer incentives, especially if you're investing in areas targeted for development or revitalization.

Where are sources of government funding?

Federal bankruptcy also removes the person from the list. 

You have to realize that these companies get their information from government records that can be very old.

But what type of loanA PML typically doesn’t do owner occupiedFor OO, banks right to government standards so they can sell the loans to the governmentA private money lender underwrites to their or if they have a line from a lender will underwrite to their covenants

Here is the breakdown: origination charges, appraisal, title fees ($4.3K), taxes and other government fees ($4.7K), prepaids including insurance, interest, taxes ($2.9K), initial escrow payments ($1.8K), other including realtor admin fee and owner's title insurance ($500).3.

I'd hardly call this an example of out of control government.